How to Pay M-Kopa Phone in Kenya: A Complete Guide

Learn how to settle your M-KOPA phone bill easily in Kenya. Find out the convenient payment options available.

Oct 29, 2023 - 08:33
How to Pay M-Kopa Phone in Kenya: A Complete Guide
How to Pay M-Kopa Phone in Kenya: A Complete Guide

In a rapidly evolving digital era, M-KOPA has emerged as a beacon of hope for Kenyans, democratizing access to essential gadgets and devices. The service offers phones on a pay-as-you-go basis, enabling countless Kenyans to own devices they might otherwise be unable to afford. But how exactly do you go about settling your M-KOPA phone bill? In this guide, we'll unravel the payment process, ensuring you never miss a beat!

Understanding the M-KOPA Phenomenon

For starters, M-KOPA isn't just about phones. Since its inception in 2012, it has widened its net, providing consumers with life-enhancing products such as solar lights, televisions, radios, and refrigerators. The beauty of M-KOPA is its "Pay-As-You-Go" financing model, allowing users to access products upfront and pay in convenient, tiny increments.

The Simple Steps to Paying Your M-KOPA Phone Bill via M-PESA

Paying for your M-KOPA phone doesn't have to be a daunting task. Here's a straightforward step-by-step guide:

  1. Accessing M-PESA: Start by navigating to your M-PESA menu. This can be done via the Safaricom SIM Toolkit or by dialing *234#.
  2. Choosing the Payment Option: Opt for the 'Lipa na M-PESA' feature.
  3. Bill Payment: Here, select 'Pay Bill.'
  4. Business Number: Key in M-KOPA's business number: 333222.
  5. Account Details: Your account number will be the ID you used during your M-KOPA registration.
  6. Decide on the Amount: Enter the amount you intend to pay.
  7. PIN Verification: Input your M-PESA pin, ensuring it remains confidential.
  8. Confirmation: Always review transaction details before confirming. Upon pressing 'OK' or 'Send,' you'll receive confirmation messages from M-PESA and M-KOPA, signaling a successful transaction.

Alternative Payment Method: Using Bonga Points

For Safaricom loyalists who've accumulated Bonga points, there's some good news! You can offset your M-KOPA balance using these points:

  1. Dial *126# and select 'Redeem Bonga Points.'
  2. From the subsequent options, choose 'M-KOPA.'
  3. Decide on the amount of Bonga points to redeem.

The Potential Consequences of Missing Payments

While M-KOPA provides flexibility, it's crucial to stay updated with payments. Delinquencies could lead to your phone getting locked, rendering it unusable. Furthermore, consistent non-payment might result in added charges and, worse still, a negative entry with the Credit Reference Bureau (CRB). This can adversely impact your borrowing capabilities in the future.

Phones on Offer and Their Pricing

M-KOPA boasts a wide array of phones tailored to fit different budgets. Here's a brief overview:

Model Description
NOKIA C21 Epic all-day battery life - from just a single charge means you can do more of what you love.
SAMSUNG A03 The Samsung A03 is an entry-level smartphone that offers an affordable option for anyone in need of a basic mobile device.
SAMSUNG A13 Take excellent photos with the powerful camera all day long.
SAMSUNG A23 The Samsung A23 features a sleek design, great camera and a wide screen, making it a stylish and practical choice for everyday use.
NOKIA X10 The Nokia X10 is a high-performance smartphone designed for power users, offering lightning-fast speeds and robust features for a premium mobile experience.
NOKIA C21 PLUS Combine affordability with durability at a budget-friendly price point.
SAMSUNG A04E A budget friendly smartphone with great value for money!
SAMSUNG A04S Experience the power and versatility of the Samsung A04s.
SAMSUNG A03 CORE The Samsung A03 Core offers unbeatable value for its price. Enjoy the 3-day battery life for work or play.
NOKIA G21 Enjoy the impressive Nokia G21 performance and durability without breaking the bank!
NOKIA C31 With its large display, powerful battery, and impressive camera features, the Nokia C31 is the perfect choice.

READ ALSO: M-PESA Standing Orders: what is it, Features, How To Set Up And, More


M-Kopa has transformed the lives of many Kenyan consumers by offering essential products through a flexible "Pay-As-You-Go" model. Whether you choose to pay via MPESA or redeem Bonga Points, staying connected to M-Kopa services is both straightforward and convenient. Make your payments on time to avoid any disruptions and enjoy the benefits of owning these essential products.

Frequently Asked Questions (FAQs)

What is M-Kopa?

    • M-Kopa is a financial platform that provides low-income consumers in Kenya with access to essential products and services through a "Pay-As-You-Go" financing model.

How do I pay my M-Kopa phone bill via MPESA?

    • To pay via MPESA, go to your MPESA menu, select "Pay Bill," enter the M-KOPA business number (333222), use your ID number as the account number, specify the payment amount, enter your M-PESA PIN, and confirm the transaction.

Can I use Bonga Points to pay my M-Kopa phone bill?

    • Yes, if you are a Safaricom subscriber enrolled in the Bonga Points loyalty program, you can redeem your Bonga Points to settle your M-Kopa balance.

What happens if I don't pay for my M-Kopa product on time?

    • Make timely payments to ensure your M-Kopa phone is locked. Additionally, you may incur extra charges, and M-Kopa may report you to the Credit Reference Bureau (CRB), affecting your credit score.

Where can I contact M-Kopa for customer support?

    • You can reach M-Kopa customer care at 0707 333 222 or email  [email protected] and [email protected]. Their head office is at 21 Riverside Paddocks, Off Riverside Drive, Nairobi.

By following these guidelines and staying informed, you can navigate the process of paying your M-Kopa phone bill with confidence and convenience.

Joseph Richard Joseph is a graduate of Mathematics and Computer Science (Applied Option). With expertise in Technology and Finance, he brings his knowledge to the field, demonstrating an authoritative understanding of these interrelated areas. Joseph is pursuing a Master's in Software Engineering, further expanding his skill set.